Due to the heavy rainfall in the previous period,

Causing the soil water content to be close to saturation.

Geological disasters have a certain lag,

We also need to pay attention to prevent geological disasters.

Everyone should try to avoid activities in the mountains.

Meteorological risk early warning of geological disasters

The Department of Natural Resources of Hebei Province and the Meteorological Bureau of Hebei Province jointly issued the meteorological risk warning of geological disasters at 18: 00 on August 1: from 20:00 on August 1 to 14:00 on August 2, Zhangjiakou City (Chicheng County, Huailai County, Zhuolu County and Yuxian County), Baoding City (Laishui County, Laiyuan County, Yixian County, Fuping County, Shunping County, Tangxian County, Quyang County, Xushui District and Mancheng District) and Shijiazhuang City (Pingshan County, Lingshou County, Xingtang County and Yuanshi County) Chengde City (Fengning County, Longhua County, Chengde County, Luanping County, Xinglong County, Yingshouyingzi Mining Area, Shuangluan District, Shuangqiao District, High-tech Zone) and Zhangjiakou City (Xiahuayuan District, Yangyuan County, Xuanhua District) are at high risk of geological disasters (yellow warning). Please ask the relevant responsible units and monitoring personnel in the above areas to do a good job in geological disaster monitoring, inspection, transfer and avoidance.

Meteorological early warning of mountain torrent disaster

The Water Resources Department of Hebei Province and the Meteorological Bureau of Hebei Province jointly issued a meteorological warning for mountain torrents at 19: 00 on August 1: It is estimated that there is a greater possibility of mountain torrents in Baoding City (Laiyuan County, Laishui County and Yixian County) from 20: 00 on August 1 to 20: 00 on August 2 (yellow warning). Mountain torrents may occur in Baoding City (Mancheng District, Shunping County, Tangxian County), Zhangjiakou City (Yuxian County, Zhuolu County), Chengde City (Chengde County, Shuangqiao District, High-tech Zone, Xinglong County, Kuancheng Manchu Autonomous County, Yingshouyingzi Mining Area) and other places (blue warning). Please pay attention to real-time monitoring, flood prevention and early warning, transfer and avoidance in the above areas.

(Produced by Hebei Weather)

【 Precautionary measures for severe convective weather 】

(Hebei Meteorological Disaster Prevention and Environmental Meteorological Center)

　　China Securities Network News (Reporter Zan Xiuli) The CSRC reported on January 26th that from January 25th to 26th, the China Securities Regulatory Commission held a systematic work conference in 2024 to summarize the work in 2023, analyze the capital market situation, and study and deploy the key work in 2024.

　　The meeting stressed that it is necessary to highlight the overall planning of "stability" and "progress". Efforts will be made to enhance the internal stability of the capital market, improve the effective mechanism for maintaining the smooth operation of the capital market, strengthen the coordination of all parties, strengthen communication with the market, and stabilize the market and confidence with more powerful and effective measures. We will continue to promote stability by advancing, establish first and then break, further comprehensively deepen the reform of the capital market, and improve the basic system of the capital market. Promote the deepening of the stock issuance registration system, strengthen the supervision of the whole chain of issuance and listing, and evaluate and improve relevant mechanism arrangements. Vigorously promote the reform of the investment side, accelerate the pilot reform of long-term stock investment in insurance funds, improve the long-term assessment of investment institutions, improve the policy environment conducive to medium and long-term funds entering the market, and promote the dynamic balance of investment and financing. Make overall plans for opening up and security, steadily expand the institutional opening of the capital market, and strengthen the construction of regulatory capacity and risk prevention capacity under open conditions. Focusing on the "five major articles", we will improve the multi-level capital market system, optimize the policy environment for the development of private equity venture capital funds, promote the high-quality development of the bond market, explore the futures supervision system and business model with China characteristics, improve the commodity futures variety system, and strive to improve the ability and level of serving high-quality development.

Waiting for the "reunion dinner" in spring

Wei Li

The reunion dinner on New Year’s Eve is also called reunion dinner, which means family reunion, happiness and auspiciousness. During the interview against COVID-19 epidemic this year, the author heard that an old father suffering from cancer and his three sons who were in traffic law enforcement posts had a reunion dinner that was postponed again and again, waiting for the spring dinner. After many twists and turns, I found the client.

Du Hongping, Du Taoping and Du Jiangping are all traffic law enforcement officers, and their parents are also retired employees of Liangping traffic system, which can be described as a typical "second generation".

The eldest Du Hongping and the second Du Taoping worked in Liangping, and the third Du Jiangping was transferred to the high-speed law enforcement department in 2014. As traffic law enforcement officers, Spring Festival and Spring Festival travel rush are the busiest times for the three brothers. But according to tradition, every year on New Year’s Eve, the family will try their best to get together and have a lively reunion dinner.

Different from previous years, my 81-year-old father has been suffering from lung cancer for many years, and he has been treated with chemotherapy three times before and after, and his health is getting worse. The three brothers privately agreed that this year’s Spring Festival reunion dinner must bring together all the family members, old and young, with no one missing, and take a family photo to make the old father on his deathbed happy for one year.

"The plan is at six o’clock in the evening, and everyone will have a reunion dinner together after the third child comes back. Because my father is so old, plus it is terminal cancer, it may be the last reunion dinner. " Boss Du Hongping said.

Just as my mother was preparing the ingredients for the New Year’s Eve dinner, Du Jiangping, the third son of the law enforcement brigade in Chongqing’s main city, told everyone that she would be on duty on New Year’s Eve and suggested that the time for the New Year’s Eve dinner should be adjusted to the second day of the first month …

Everyone thinks it is ok to postpone it for two days, as long as the family can be reunited and have a sense of ceremony during the Spring Festival to meet the wishes of the elderly.

In order to prepare for this postponed reunion dinner, my father specially arranged for my mother to cook dried pig’s feet in advance and buy Liangping’s special product "Daoer Mie" braised dishes, so that my children and grandchildren can get together and feel the warmth of the big family. The second child Du Taoping also arranged for his wife and daughter to go to the supermarket on the first day of the first month to buy fresh fruits and vegetables.

At noon on the second day of the first month, Du Jiangping, the third son, hurriedly drove back to Liang Ping’s hometown from the main city of Chongqing after work. Just when I arrived at the stairs of the traffic family home where my parents lived, a phone call stopped Du Jiangping and he was in a dilemma. The phone call was made by a colleague from the company-due to the severe epidemic situation in COVID-19, all people on leave are required to return to their posts immediately!

"It is complicated to get this notice, because my father’s condition is getting worse and worse, and it is rare to have such an opportunity to reunite. Returning to work immediately means that this reunion dinner has to be given up again."

Colleagues also kindly reminded Du Jiangping that due to the complicated identity of the people who came into contact during work, they must be disinfected before meeting their parents, so as to be careful to infect their families.

After much consideration, Du Jiangping informed his eldest brother at home to come downstairs, handed over the honey, cereal and other gifts he bought back to his father, and decided to return to work in the main city of Chongqing immediately.

"Just as I turned around, I heard a familiar voice-my mother shouted my nickname on the balcony on the third floor and told me to pay attention to safety and wear a mask during work. At this point, my heart is particularly sad, and my eyes are full of tears … "

In this way, the Dujia reunion dinner, which was originally postponed, can only be postponed for another time …

Among the three brothers, Du Jiangping, the third, spends the least time with his father. "When I was young, my father was a soldier and I was at home. When I grew up, my father was at home and I went to be a soldier again. Later, I went to work in high-speed law enforcement, and I always lacked companionship with my parents. Due to busy work, the last time I went home was more than two months ago. "

In Du Jiangping’s eyes, the father of a military background is particularly strict with the three brothers. He is often taught that a soldier will not fade after he leaves the army, and he should always keep his true colors as a soldier. Over the years, the three brothers have kept in mind their father’s teachings and worked hard to do their own jobs, all of which have become the backbone of the unit.

Although the epidemic delayed this "reunion dinner", the father in the hospital bed often called the three brothers who fought in the front line of the epidemic and told them to pay attention to their health and take precautions.

In the prevention and control of COVID-19 epidemic, Du Hongping, the boss, is the head of Yunlong exit traffic health quarantine station of G42 Chongqing-Yichang Expressway. "Commanding more than 1,000 cars to pull over every day during the rush hour means making thousands of gestures. When eating after work, it is difficult to hold the chopsticks steadily and it hurts all over."

Du Taoping, the second child, is guarding the card at Qixing Station of X116 Line adjacent to Guanyin Town, Dazhu, Sichuan. When he returns to the unit, he must do a good job in ensuring the supply of rice bags, vegetable baskets, meat plates and fruit plates in the city and the normal agricultural production.

At the Dawan Toll Station in Yubei District, Chongqing-adjacent section of G65 Baomao Expressway, I found the third Du Jiangping who was inspecting the vehicle. Du Jiangping’s brigade is the third brigade of Chongqing Traffic Administrative Law Enforcement Corps Expressway. During the duty, be responsible for patrolling the 101-kilometer-long road surface in the jurisdiction and handling emergencies. Referring to this postponed reunion dinner, Du Jiangping choked several times: "When I was a teenager, my father sheltered me from the wind and rain and raised me to grow up; When my father is old, I can’t be filial before bed and accompany him. I only hope that this epidemic will end as soon as possible, and the family will take a family photo and have a reunion dinner. "

There are no heroes who fall from the sky, only mortals who stand up. It is these countless "retrograde people" who, regardless of holidays or during the epidemic, give up their small families for everyone, keep one side safe, and protect the stability of a city, in exchange for peace in the world and good years.

We also expect that this postponed "reunion dinner" will open as scheduled in the flowers and spring breeze.

(Author: Liangping District Radio and Television Station)

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All-media reporter Tan Faxin

Entering the twelfth lunar month, the pace of the Spring Festival is getting closer and closer, and handling new year’s goods and preparing for the reunion dinner has become a matter of concern to most citizens. Recently, the reporter visited a number of hotels and restaurants in the city and learned that before the New Year’s Eve, the reservation for New Year’s Eve dinner was "hard to find". Many hotels and restaurants were fully booked after the 24th day of the twelfth lunar month, and only a few halls had seats left.

Through the reporter’s visit, I learned that in addition to going out to eat the group annual banquet, many citizens choose to make the group annual banquet at home, and some also invite chefs and cooks to come to the door to serve and leave the group annual banquet at home, which not only saves trouble but also has the atmosphere of the New Year.

Reservation for the annual banquet of the restaurant group is "hard to find a table"

In order to seize the rare business opportunity of the Chinese New Year, the merchants took precautions, put up a publicity banner to book the annual banquet of the group one or two months in advance, and some even launched a series of preferential activities, making the idea of the Chinese New Year early. In anticipation of the Spring Festival, the citizens put the group annual banquet on the family’s important agenda early, and willingly "pay big money" for a comfortable year.

On January 10, Mr. Wang, who worked in a public institution in the city, was depressed. On the morning of the same day, he called six hotels in the city to book the group annual banquet, and they were all told that the reservation was full and only a few seats were available for reservation. "I didn’t expect that I couldn’t book it more than ten days in advance. It didn’t seem so popular in previous years?" Mr. Wang introduced that in the past two years, he and his family had a reunion dinner in the city hotel, and the booking time was equivalent to this year. Although the price of the banquet was higher than usual, there was no phenomenon that seats could not be booked.

"We don’t have a private room now. If we want to book the group annual banquet, we can only spell the table in the hall." The staff of a restaurant near the sewage treatment plant in Zhoucheng said that at the end of December last year, the reservation of the group annual banquet had already begun, and even the reservation hall should be "the first to strike first."

The staff of a large restaurant in Shinan Ancient City told the reporter that there were many people who booked the group annual banquet this year. As early as last October, someone called to make an appointment, but the hotel didn’t start accepting reservations until December. "The private rooms from the 24th to 28th of the twelfth lunar month have already been booked, and there are few big private rooms left at noon." It is understood that the restaurant began to have a holiday on the 29th of the twelfth lunar month.

The reporter found that compared with small private rooms and large private rooms, during the Spring Festival, thousands of families were reunited, and large private rooms were obviously more popular.

Family dinner chefs come to cook.

Do you want to eat New Year’s Eve at home or in a hotel? This is a problem. Eating at home has an atmosphere, but the food is more homely and it is also very troublesome to cook. Eating food and service in the hotel is good and easy, but there is no feeling of Chinese New Year more and more! "Many city residents began to consider the issue of reunion dinner.

As the Spring Festival approaches, the group annual banquets of major hotels and restaurants have already been booked out. Don’t worry, just buy a table of semi-finished reunion dinner home, or book a chef’s home service directly, without doing it yourself.

"When a chef cooks at home, he can enjoy the chef’s special service at home". The reporter visited and learned that there are not a few people who provide on-site service for the chefs of the group annual banquet. Some chefs usually pick up the business of cooking at home, but at the peak of the group annual banquet at the end of the year, orders are constantly coming, and some can’t accept orders because of schedule conflicts. Citizens only need to make a phone call to make a reservation, and determine the number of people to eat and the contents of the menu, so they can wait for the chef to cook at home. Some citizens are too busy to ask chefs to help them buy food.

In addition to booking a chef through usual contact, you can also invite a "cook" through a housekeeping company.

Liu Feifei, a citizen, works in an enterprise in could, so he can have a holiday on the 28th of the twelfth lunar month. In previous years, the group annual banquet could only be booked in the hotel. This year, she chose to do the group annual banquet at home. "I was busy with my work and didn’t have time to prepare. I heard that a friend usually invited chefs to come to the door for family dinners, so she tried to contact several chefs. After several times of communication, the chef’s schedule was finally confirmed. At noon on the 29 th of the twelfth lunar month, the chef was invited to make a group annual banquet. " Liu Feifei said, before eating the group annual banquet in the hotel, I always felt almost the atmosphere, so I had the idea of inviting the chef home. Unexpectedly, many citizens have the same idea. She contacted several chefs to determine the right time.

Why did you choose to invite a chef to cook at home instead of going directly to the hotel? Mr. Zhang said that on the one hand, it is more economical to have a family dinner, on the other hand, it is more convenient to invite chefs to visit and reduce waste. "All the ingredients are purchased by yourself, which is cheap and reassuring. Counting the remuneration for the chef saves a lot of money than in the hotel. Moreover, everyone also likes the atmosphere of reunion at home. "

"The raw materials of dishes can be purchased by customers themselves or given to us, because some ingredients, ingredients and sauces are difficult for customers to prepare at home, which will affect the taste of some dishes." Master Xie said that before, he used to cook and cook for others empty-handed. Now, many people try to save trouble and simply let them arrange the whole banquet.

The group annual banquet is a "lively and convenient"

The purpose of the vast majority of citizens booking the group annual banquet is very clear — — That is lively and easy.

Wang Yuchen, a 29-year-old citizen, said that he and his wife are both working in the company, and they are under great pressure at ordinary times, especially at the end of the year. Almost all the preparations for the Chinese New Year are carried out in a hurry. A few days ago, they were busy doing cleaning at home until late at night, so tired that their backs ached. Therefore, he decided to change the group annual banquet from home to the hotel. Although the cost is much higher, there is no need to prepare dishes a few days in advance and clean up after meals. The picture is convenient and easy, and you can take the opportunity to make time to chat with your family and free your wife from the tedious housework. "It is worthwhile to spend more money!"

Ms. Xiao, a citizen, said that in the hotel for the New Year, she can feel the joy and excitement of the Spring Festival. She believes that the Chinese New Year is to be lively, and it is very pleasant to have a reunion dinner in a happy atmosphere.

Liu Yuhang, who works in other places, just returned to Enshi on January 6th. As soon as he got home and put down his luggage, he rushed to a nearby hotel to book a table for the New Year’s party and informed his relatives and friends. He said that according to the usual practice in previous years, in order to spend the next year, he would go to various food markets and supermarkets to buy vegetables, chickens, ducks and fish, and then rush home with big bags, wash vegetables, kill fish and cook, and work hard for a while … … After eating a reunion dinner, he felt extremely tired from running around. This year, he decided to entertain relatives and friends in the hotel. Liu Yuhang told reporters with a smile, comparatively speaking, it is much easier to have a group dinner in a hotel, and it can relax the body and mind.

　　It is freezing in the cold, and it is the peak season of skiing. Many skiers gather in the ski resort to experience the excitement and freshness brought by skiing. However, skiing is also a sport with frequent accidents. It is frustrating to take part in ice and snow events with great joy but have an accident, whether you are injured yourself or others. How to avoid injuries is a problem that skiers and ski resort operators should consider.

　　Recently, the Fangshan District People’s Court in Beijing, after investigating relevant cases, combined with three specific cases, reminded skiers and ski resort operators to put safety awareness in the first place in ice and snow entertainment activities. Operators should do safety tips and protective assistance. Skiers should look ahead and look behind, be cautious and do what they can, and it is best to buy an accidental injury insurance before exercise.

　　Keep an eye on the surroundings and don’t take it lightly.

　　Taking care of children is the most important thing.

　　One winter, Ms. Liu took her two-year-old granddaughter to ski in a ski resort in Fangshan District. At 3 o’clock in the afternoon, when Ms. Liu was standing in the ski resort, she was suddenly knocked down by the ski ring that Mr. Zhang and her daughter were riding. Suddenly, Mr. Zhang quickly took Ms. Liu to the hospital for treatment. After diagnosis, Ms. Liu’s right little finger soft tissue injury, multiple rib fractures and left rotator cuff injury. Mr. Zhang paid all the inspection fees and medical expenses of Ms. Liu that day. Later, because the injury was not completely cured, Ms. Liu went to the hospital for re-examination many times. At this time, Mr. Zhang was unwilling to pay Ms. Liu’s related medical expenses and other losses. In desperation, Ms. Liu took Mr. Zhang to court.

　　During the trial, Mr. Zhang said that he believed that Ms. Liu was conducting unnecessary review in the follow-up, and these expenses should no longer be borne by him. However, Mr. Zhang did not submit sufficient evidence to prove his claim.

　　After the trial, the court held that according to the provisions of China’s Tort Liability Law, if personal injury is caused by infringement on others, reasonable expenses such as medical expenses, nursing expenses and transportation expenses should be compensated, as well as the income reduced due to missed work; If the disability is caused, it shall also compensate the living AIDS for the disability and the disability compensation; If death is caused, funeral expenses and death compensation shall also be paid. In this case, Mr. Zhang knocked down Ms. Liu during skiing, causing personal injury to Ms. Liu, and should compensate Ms. Liu for her reasonable expenses. Based on this, the court ordered Mr. Zhang to compensate Ms. Liu for various reasonable losses of more than 10,000 yuan.

　　The judge reminded that in the process of skiing, we should not only pay attention to our own safety, but also pay attention to whether there are others on the snowy road, pay more attention to observation and avoid it in time to avoid causing danger to others. Skiers should slow down or stop skiing where the snowy road is crowded, the terrain is undulating or the line of sight is not good or even blocked. At the same time, it is necessary to obey the instructions of the staff of the ski resort, and in case of emergency, ask the staff or nearby tourists for help in time.

　　It is worth noting that in this case, both Ms. Liu and Mr. Zhang took their children to the ski resort. In this regard, the judge reminded that minors should carry out sports suitable for their age and ability under the care of guardians. As guardians of minor children, they should always pay attention to the safety of children and avoid accidents; Older people should not experience intense sports such as ice sports and snow sports.

　　Insurance liability should be fully purchased.

　　Accidental retention of certificate

　　In 2018, Ms. Song and her friends went skiing in a ski resort in Fangshan District through the website registration. The registration fee was 250 yuan, including a national compulsory insurance, and the insurance amount was 2,000 yuan. When she arrived at the ski resort, Ms. Song, who had rich skiing experience, changed her ski suit, and began to slide down from the senior track. When she turned to the middle track, she suddenly fell and was injured. After that, she was taken to the hospital. After diagnosis, Ms. Song suffered from anterior cruciate fracture of her right knee, partial injury of medial collateral ligament and tibial fracture, and she underwent two operations. After leaving the hospital, the insurance company paid Ms. Song 2000 yuan, which was far lower than the actual cost of Ms. Song. Ms. Song believes that because there is ice slag on the slide of the ski resort, don’t hit your snowboard on the hard ice slag when you hit it to the left, causing yourself to fall down and land on your knees. The ski resort should be responsible for this, and accordingly the ski resort operator will be sued to the court for compensation.

　　For the statement that there is ice slag on the snowy road, the travel company does not recognize it, and thinks that the reason for Ms. Song’s fall injury is her own lack of skiing knowledge and self-protection awareness. After the trial, the court held that the ski resort has the obligation to ensure the safety of tourists within reasonable limits, and the slide of the ski resort provided by it has been confirmed by witnesses to be frozen, which can prove that the ski resort has not fulfilled its reasonable safety guarantee obligation, so it should bear the corresponding liability for compensation for the consequences of Ms. Song’s injury. As a skier, Ms. Song didn’t know the safety situation of the ski slopes in detail, that is, she slipped blindly, causing her to fall and get injured, so she should also bear the corresponding responsibility. On this basis, the court ruled that the travel company should bear 90% of the compensation liability for Ms. Song’s injury, and Ms. Song should bear 10% of the liability.

　　The judge reminded that skiing is a sport with a high risk factor. If the ticket does not include insurance, it is recommended that skiers buy accident insurance for skiing. For example, Ms. Song in this case bought compulsory insurance. After the injury, the insurance company also paid part of the expenses. However, at the same time, it can be seen that the risk of loss cannot be effectively reduced because of the low insurance coverage. Therefore, it is suggested that skiers should buy commercial insurance with higher insurance coverage according to the situation. In addition to covering their own accidental injury compensation, insurance liability should also include personal liability, that is, the liability for compensation for injuries or damage caused by themselves to others or things, such as the insurance company’s compensation when they need to be responsible for hitting people or damaging other people’s property in the snow field.

　　It should be noted that, compared with ordinary personal accident insurance, high-risk sports insurance has extended the guarantee responsibility, but it has not extended to the guarantee responsibility of sports events. Therefore, when skiers decide to participate in a certain skiing competition, they need to buy "event insurance" separately.

　　The judge reminded that after the accident, skiers should keep good evidence, especially the evidence at the scene of the accident, and should take photos at the first time. In addition, it is necessary to keep tickets, admission tickets and other evidence. Of course, in addition to the skiers’ duty of care, operators should provide safe ski resorts and clean up the ice residue on the ski slopes in time to avoid situations that directly affect safety, such as unqualified snow quality, icy ski slopes, potholes and serious dead ends.

　　Do what you can and do the right thing.

　　Protection and safety are indispensable.

　　Previously, Yu Xiansheng and his friends went skiing, which coincided with Mr. Liu’s visit to the same ski resort. At noon that day, Yu Xiansheng and Mr. Liu were both skiing on the middle and high-grade snowy road, while Yu Xiansheng was skiing on an S-shaped route with a single board and Mr. Liu was skiing on a straight line with a double board. Unexpectedly, the two sides collided near the end of the snowy road, causing Yu Xiansheng to knock out seven teeth and was unconscious on the spot. He was rushed to the hospital by the ski resort staff for emergency treatment. After leaving the hospital, Yu Xiansheng sued Mr. Liu and a tourist company, the operator of the ski resort, to the court, claiming 224,000 yuan for various losses.

　　During the trial, Mr. Liu said that veneer is an extreme sport, which requires a high degree of attention to the surrounding things, so Yu Xiansheng should bear more responsibility for the accident.

　　During the trial, the court found that Mr. Liu was behind Mr. Wang when skiing, and he did not wear snow goggles and protective gear. The court held that Mr. Liu did not take into account the priority of the skier in front and injured Yu Xiansheng, the skier in front, so Mr. Liu should bear the main responsibility for the accident. Yu Xiansheng didn’t do his duty of care when he used a single board to slide obliquely on the middle and high-grade snow trail, especially when the skiers gathered near the end of the slide, so he had some fault in the accident, so he should bear secondary responsibility. Although the tourist company, the operator of the ski resort, erected warning signs in the ski resort, circulated relevant safety tips and equipped staff to patrol, it did not provide necessary safety protection tools for skiers entering the middle and high-level ski slopes, and did not set security officers to prevent skiers without protective gear from entering the middle and high-level ski slopes. Therefore, the managers of the ski resort failed to fulfill their due safety guarantee obligations and should bear corresponding supplementary responsibilities.

　　Accordingly, the court ordered Mr. Liu to compensate Yu Xiansheng for medical expenses, disability compensation, etc. totaling 156,000 yuan. When Mr. Liu fails to perform the compensation obligation according to the previous judgment, the travel company shall bear the supplementary compensation liability not exceeding 10% of the total amount of the previous judgment.

　　Through this case, the judge reminded that skiers should be familiar with the environment, understand the distribution of facilities, and the height, slope, length, width and surrounding conditions of the ski resort when they first arrive at the ski resort, and strictly abide by the relevant safety management regulations of the ski resort. Skiers should be equipped with formal ski equipment, wear ski clothes and protective gear. Beginners should first learn the necessary skiing skills and common sense, and hire coaches if necessary. For beginners and those who haven’t been engaged in skiing for a long time, they should avoid blindly going to the middle and advanced ski slopes. It should be noted that when skiing on the snowy road, the skiers in front have priority, and the skiers in the rear should choose a route that will not cause danger to the front and actively keep a safe distance between the two sides.

　　For ski resort operators, warning signs and warm tips should be set up in places where there may be dangers, and hardware facilities should be standardized to ensure that safety barriers and other facilities meet the relevant national safety standards and inform skiers of the precautions of risks; Should be equipped with safety inspectors, regular training for safety inspectors, emergency response measures for the emergence of a comprehensive training. At the same time, an infirmary should be set up to help in time after the accident.

Si Haiying Zuo (Xinhua News Agency)

　　By the end of July this year, the loan balance of small and micro enterprises nationwide was 40.83 trillion yuan, an increase of 10.62% compared with the beginning of the year & mdash; This is the transcript of financial services for small and micro enterprises this year. Small and micro enterprises are the main components of the market with over 100 million households in China, and they are also the capillaries of the market economy. However, in the past, banking financial institutions were reluctant to lend, afraid of lending and unwilling to lend to small and micro enterprises. In recent years, the relevant departments have introduced a series of differentiated policies from the aspects of credit supply, capital supervision, bad tolerance and due diligence exemption, so that banks can "dare to lend, be willing to lend, be able to lend and be willing to lend".

　　Growth rate and number of small and micro loans in Shuang Sheng

　　This year, the first batch of supply chain bills in China, the first standardized bill for private enterprises, and the Suzhou Experimental Zone for Digital Credit Investigation of Small and Micro Enterprises … … In Jiangsu province, where the number of small and medium-sized enterprises exceeds 3 million and accounts for more than 90% of the total number of enterprises, these financial innovations have continuously broadened the financing channels for small and medium-sized enterprises.

　　Guo Xinming, president of Nanjing Branch of China People’s Bank, said that through the long-term mechanism and capacity building of "dare to lend, be willing to lend, be able to lend", the related work has achieved remarkable results. At the end of July, the balance of local and foreign currency loans of financial institutions in the province was 15.1 trillion yuan, up 16.4% year-on-year, and the growth rate was 1.8 percentage points higher than that of the same period last year.

　　In Sichuan Province, there are more than 4.8 million individual industrial and commercial households, accounting for more than 70% of the market participants. The People’s Bank of China, together with the Market Supervision Bureau and the Private Office, launched the "Financial Manna" action plan for individual industrial and commercial households, focusing on individual industrial and commercial households without loans, and carried out the cultivation of first loan financing; Promote the improvement of financing level for individual industrial and commercial households with loans. By the end of July, the loan balance of individual industrial and commercial households in Sichuan was 284.5 billion yuan, a year-on-year increase of 14.8%, which was higher than the average growth rate of various loans. The number of new loan households is 58,000.

　　"Under the guidance of supervision and the joint support of various policies, banking financial institutions have continued to increase innovation, and the credit supply of small and micro enterprises has shown a rapid growth trend." Mao Hongjun, the first-level inspector of China Banking and Insurance Regulatory Commission inclusive finance Department, said.

　　The data shows that as of the end of July this year, the loan balance of small and micro enterprises nationwide was 40.83 trillion yuan, an increase of 10.62% over the beginning of the year. Among them, the balance of Pratt & Whitney small and micro enterprise loans with a total credit of 10 million yuan or less per household was 13.91 trillion yuan, nearly doubling the balance compared with the beginning of 2018; Compared with the beginning of the year, the growth rate was 19.2%, which was 10.43 percentage points higher than the growth rate of various loans; The number of households with loan balance was 23,971,600, an increase of 2,852,300 compared with the beginning of the year, and the goal of "Shuang Sheng" in terms of growth rate and number of households was achieved in stages.

　　"Dare to lend and be willing to lend" adds endogenous motivation

　　In the past, small and micro enterprise loans often faced such problems. "Why are the grassroots institutions and personnel of banks reluctant to lend and unwilling to lend? Because it is not cost-effective, low performance or no performance. Why are you afraid of lending and afraid to lend? Because of the high non-performing rate and fear of accountability. Establishing and improving the mechanism of lending to small and micro enterprises is, in the final analysis, to solve the endogenous motivation problem of banks serving small and micro enterprises. " Mao Hongjun said.

　　In recent years, China Banking and Insurance Regulatory Commission has issued a series of differentiated regulatory incentive policies and guiding measures in the aspects of capital, internal assessment, risk management and due diligence exemption, so as to solve the problems of reluctance to lend and fear of lending.

　　For example, the differentiation of funds, that is, by guiding the internal capital transfer pricing of commercial banks to give preferential loans to small and micro enterprises, solves the problem that small and micro loans at the grassroots level of banks are not cost-effective. At present, national commercial banks give loans to small and micro enterprises at least 50 basis points in the internal fund transfer pricing, and some banks’ preferential efforts have reached more than 100 basis points.

　　In terms of risk management differentiation, the regulatory policy has clearly stated that the non-performing rate of inclusive small and micro enterprise loans can be higher than the tolerance of non-performing rate of various loans within 3 percentage points. In view of this year’s epidemic situation, it is especially proposed that commercial banks can appropriately increase the tolerance of non-performing loans to branches in areas seriously affected by the epidemic situation.

　　"These differentiated guiding policies and requirements, we have specially set indicators for assessment, in order to supervise the ‘ Baton ’ Guide and urge banks ‘ Make up short board and forge long board ’ Continuously deepen the construction of institutional mechanisms. " Mao Hongjun said.

　　Strong service skills of "being able to lend and lending"

　　"Dare to lend, willing to lend" is mainly a mechanism problem, while "ability to lend, will lend" is more a problem of ability, which requires the professional service ability of banks.

　　Focus on solving the problem of "no loans". In Sichuan, the People’s Bank of China supported corporate institutions to replenish capital through multiple channels, eased the constraint of capital on credit growth, and used the central bank’s refinancing to increase banks’ low-cost loanable funds. At the end of August, the province’s refinancing balance increased by 63.2% year-on-year. From January to August, banks in the province put 232 credit products into the market, including 71 credit loan products.

　　Improve the professionalism of banking institutions’ "meeting loans". In Jiangsu, banking institutions actively carry out financial product innovation of small and medium-sized enterprises, and improve the financial service ability of "direct access to small and micro enterprises". By the end of July, 107 banking institutions in Jiangsu Province had lent 101.2 billion yuan to 105,000 small and medium-sized enterprises relying on 230 online financial products. At the same time, actively promote credit models such as "accounts receivable pledge financing", "micro-loan technology" and "credit factory" to help small and medium-sized enterprises "increase their credit coverage".

　　For talents, technology, products, information, etc., the regulators also actively promote the professional capacity building of banks. For example, in terms of technology, big data is used to help solve the bottleneck of "lack of information and lack of credit". Let banking financial institutions widely connect with information and data related to enterprises in the public sector, develop big data risk control models, conduct customer exploration, access and credit granting, and accurately "portrait" customers. On this basis, we will promote the "small micro-fast loan" model of online processing in the whole process and centralized approval of risk control in the background, effectively expanding the service coverage of small and micro enterprises. (Reporter Li Wei)